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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $64,483 | $72,269-10.8% | $101,271-36.3% | $79,852-19.2% |
| Participation rate | 95.2% | 68.5%+26.8pp | 75.8%+19.4pp | 69.6%+25.6pp |
| Annual return | 18.74% | 22.29%-3.6pp | 46.48%-27.7pp | 31.72%-13.0pp |
| Employer contribution / active EE | $1,530 | $2,692-43.2% | $3,660-58.2% | $2,471-38.1% |
| Participant deferral / active EE | $4,753 | $3,282+44.8% | $4,371+8.7% | $3,740+27.1% |
| Admin fee / account holder | $8,017 | $4,401+82.2% | $5,948+34.8% | $5,306+51.1% |